Sales Manager - Gold Loan

Job Requirements

About the role

Role / Job Title: Sales Manager – Gold Loan

Function / Department: Gold Loan

Job Purpose

The role entails scaling up the business & distribution of Gold‑Loan lending for a designated area by delivering banking needs to customers in the most cost‑efficient and technology‑effective manner. The incumbent will collaborate closely with Retail, Product, Operations, Retail‑Liability, IT and other teams to provide a seamless, fulfilling customer experience and ensure IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities

• Identify branches and potential locations for Gold‑Loan business based on market surveys, competition mapping (NBFCs & banks) and volume analysis.
• Increase distribution channels by identifying non‑branch avenues for Gold‑Loan sales.
• Achieve a minimum Gold‑Loan productivity of ₹40 lacs per month on new business and ensure 80 % re‑generation on eligible customers.
• Recruit dedicated manpower for Gold‑Loan (Gold‑Loan Officers/Territory Managers) to drive customer acquisition.
• Grow the AUM base for Gold‑Loan solutions while meeting revenue, cost, profitability and portfolio‑quality targets.
• Collaborate with the Business‑Loan Product Head to offer best‑in‑class funding/multifunding solutions and appropriately incentivise key DSTs.
• Ensure timely renewals of Gold‑Loan customers to retain the existing client base.
• Maintain strong relationships with valuers and valuation agencies.
• Train Gold‑Loan officers on potential fraud and fraud prevention measures.
• Design a fulfilling customer journey that leads to customer delight and positions IDFC First as the banking partner of choice.
• Ensure successful adoption of internal compliance and regulatory frameworks across the business.
• Recommend process changes to improve service efficiency and quality across the assigned area.
• Propose improvements to processes and policies across Retail Banking to drive operational efficiencies and high‑quality customer service.
• Leverage in‑house synergies through collaboration with internal stakeholders.
• Attract and retain best‑in‑class talent for key roles in the reporting structure.
• Build and motivate the team while maintaining controlled attrition.